Citi Double Cash Update

[wasCB14]

Citi sent me an offer on my DC:

0% for 3 months (then back to 15.24% regular APR)

Kind of a useless offer for me when BofA gives me:

0% for 15 14 more months with 1.75%+ cash back (WWF), and

2.625% with a high APR and PIF

I'd sooner take 0.25% less in rewards and have another year at 0%!

DC is SDed and locked on the website, last used around October. I just keep it in case I can PC to some good new card Citi might introduce.

[VPExecutive]

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@Harvey26 wrote:

Recieved card in the mail today and activated it set up all of my monthly bills on auto pay. While doing so I have seen where people were able to lower APR as soon as they get the card. Spoke with agent and he lowered my APR from 16.99 to 14.24. I PIF every month but still nice to know I have a low rate. WOW Citibank! I would have to say this is by far one of my favorite credit cards and I just got it. Also requested a limit increase intial SL is 5K which is a little low for me I like to stay under 30% and some months I can run anywhere from 3K-5K in charges. Will come back and update this post once I hear back about limit increase. 

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I bet if you ask again in a few days, they'll lower it to 12%. 

[Cory88]

It's a good card and I get 0% offers on purchases a lot only thing I don't like is that the website does not work well / load I'm on a Macintosh using Safari so I don't know if that is it.

[ScoreSizzle]

Congrats on the new card! 

[Harvey26]

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@SweetCreditObsession wrote:

I hope you get the SL increase 😀

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After going through a whirlwind due to them trying to reach me over the weekend and not being able too I finally got a call from a lady today and she increased my limit to 10K said she could not go any further due to my account being so new and to wait 6 months and I can request a higher amount.

[M_Smart007]

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@Cory88 wrote:

It's a good card and I get 0% offers on purchases a lot only thing I don't like is that the website does not work well / load I'm on a Macintosh using Safari so I don't know if that is it.

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@Cory88, I use  a decent HP laptop running Mozilla Firefox with a commercial class 10g ISP.

The site loads very fast for me. Just wanted to pass that info along.

[M_Smart007]

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@Harvey26 wrote:

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@SweetCreditObsession wrote:

I hope you get the SL increase 😀

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After going through a whirlwind due to them trying to reach me over the weekend and not being able too I finally got a call from a lady today and she increased my limit to 10K said she could not go any further due to my account being so new and to wait 6 months and I can request a higher amount.

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Congrats on your increase

[AllZero]

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@Harvey26 wrote:

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@SweetCreditObsession wrote:

I hope you get the SL increase 😀

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After going through a whirlwind due to them trying to reach me over the weekend and not being able too I finally got a call from a lady today and she increased my limit to 10K said she could not go any further due to my account being so new and to wait 6 months and I can request a higher amount.

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Congratulations on your CLI!

[ChefCurry]

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@Harvey26 wrote:

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@SweetCreditObsession wrote:

I hope you get the SL increase 😀

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After going through a whirlwind due to them trying to reach me over the weekend and not being able too I finally got a call from a lady today and she increased my limit to 10K said she could not go any further due to my account being so new and to wait 6 months and I can request a higher amount.

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Hey @Harvey26 , would you happen to still have that number you called to make the request (and who should I ask for)? Is it just the basic customer service number? I was just approved and was looking to get a little bit higher SL. Also, how long after the initial approval did you call them? When I applied, they called me to verify my identity, and after they did, they told me that I was approved. I asked that same person if I could possibly get a higher limit, and they said that I had to wait to get my card and then make the request on the site. This doesn't seem to be what you did. 

[mrjerry]

Congrats on the increase!